Australia BNPL Update
🇦🇺 Australia chose option 2 for BNPL regulation. As I was finalizing the presentation slides of BNPL, the news came in from the Down...
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Frank Tian
Mar 4, 20232 min read
BNPL Regulation Update
BNPL - Latest Regulatory Actions 🇺🇸 Another Report from CFPB CFPB released its analysis of BNPL customers’ credit profile, based on a...
Frank Tian
Sep 29, 20221 min read
🎉 Apple No Show at BNPL Party
Apple Pay Later was nowhere to see in the iOS 16 release. When can you see it? Apple: Later. Why the delay? Per Mark Gurman from...
Frank Tian
Sep 18, 20222 min read
👛 CFPB Reports on BNPL
Here is a summary with some highlighted numbers. 🔲 The Data In Dec 2021, CFPB asked for data from 5 major BNPL operators in the US:...
Frank Tian
Aug 20, 20221 min read
Card Networks Work Hard
With their sheer size, credit card has always been a target. Look at recent headlines: 👇 Affirm: Americans trust their ex more than...
Frank Tian
Jul 29, 20221 min read
BNPL Impact on Credit Score - Multiple Trades
FICO/Experian BNPL Study (Continued) How would multiple BNPL loans impact a FICO score? Suna Hafizogullari, senior director, FICO Scores...
Frank Tian
Jul 19, 20221 min read
BNPL Regulation Update
BNPL Regulation Update - Slowly, But Surely. The window of regulatory arbitrage is gradually closing in several markets. 🇦🇺 Australia...
Frank Tian
Jun 20, 20222 min read
Apple Late for the Pay Later Party
Apple rolled out its own BNPL product - “Apple Pay Later”. It is a questionable move, given the timing and the strategic shift. 🚩...
Frank Tian
Jun 19, 20222 min read
BNPL - Underwrite Your Loan
As Professor G gave his quick take on BNPL, He mentioned credit card guardrails. What guardrails? Many wonders. There are 2 things that...
Frank Tian
May 26, 20222 min read
BNPL impact on FICO (2)
My last post on BNPL’s impact on FICO drew strong interest from the community. Why do the two recent studies show conflicting results? I...
Frank Tian
May 22, 20221 min read
Payment + BNPL
Lately in the competitive payment space, Payment companies begin to partner with BNPL providers. Here are the latest examples: Visa...
Frank Tian
May 18, 20221 min read
BNPL impact on FICO (1)
BNPL begins to show up on credit reports. What is the impact on the FICO score? FICO gives the latest analysis. 👇 Using Experian data...
Frank Tian
May 12, 20221 min read
Payment Companies Latest Moves
Payment companies expanding financial capabilities, Jockey for positions in the quickly evolving financial arena. Here are the latest...
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